If you couldn't live without your credit card, you might not be in good company. A new survey shows that two in three millennials don't even own one. Seriously.

Bankrate surveyed more than 1,000 American adults and found that 67 percent of people ages 18 to 29 don't own a credit card. Older generations are much more likely to carry charge cards, however, with more than 60 percent of people 50 and older happily charging items for purchase.

According to Bankrate’s personal loans and credit analyst Mike Cetera, millennials are shunning credit cards because they've been financially burned in the past—or watched as family members struggled with credit card debt in the years after the Great Recession.

"I've never owned nor have ever wanted to own a credit card," 25-year-old Kristian Rivera told Bankrate. "It wasn't really a decision that I made, but growing up I was warned of the risks of having a credit card and advised to put off getting one as long as possible."

But millennials aren't the only people passing up the chance to charge their purchases. The survey found that, regardless of age, people who earn less than $30,000 a year, who haven't attended college, or are members of a minority group are the least likely to own a credit card. On the flip side, people who earn a yearly salary of $75,000 or more, who have graduated college, and who identify themselves as Republicans are the most likely to carry credit cards.

Of course, carrying a credit card doesn’t automatically mean you'll carry credit card debt. Part of establishing a good credit score—which you'll need to secure that small business loan or a home mortgage—is having and being responsible with lines of credit. If you don't have a credit card yet, considering opening one and making small charges you can easily pay off each month. With a responsible attitude toward paying down what you've charged, you won't go into debt—and you will build up a valuable credit score that will help you down the line.